Personal Article Floaters

A personal article floater insures collectible and appraisable items in case of loss, theft or damage. Items such as jewelry, artwork, fine china, collectible firearms, and anything else that requires an appraisal in order to establish a value for replacement need to be insured separately from your homeowner's policy.

Many homeowner's policies provide limited protection for collectibles - this protection tends to vary by insurer and the add-on coverages (known as "endorsements") that have been applied to your policy. Check with your agent to make sure you are covered properly.

Coverage on these kinds of items can be purchased as a blanket or on an itemized basis. Blankets are normally of best use when you have many smaller items that need all risk coverage.